Sberbank often offers its depositorsseasonal projects on deposits. Here and this year the deposit "Happy interest" has appeared. Sberbank, whose reviews are basically only positive, each time offers investors more favorable terms and opens deposits for every taste and purse.
Time goes by, but still the most profitable depositsSberbank of Russia offers. The deposit "Happy interest" can be issued for six months or 9 months. The deposit is opened exclusively in the national currency, and the minimum contribution must be at least 100 thousand rubles. Of course, not all have this amount, but the interest on the deposit is very good - up to 10%.
The contribution does not provide for either replenishment ora partial withdrawal, which justifies a high rate. But it is possible to prolong the contract at the end of the term provided by the contract on the same terms as that offered by Sberbank. Deposits of individuals "Happy interest" provide for the opening of savings books, to which people of the older generation are accustomed. The term of opening of the deposit is limited, therefore it is necessary for hikers to hurry.
Consider what interest on the deposit is offered by Sberbank. The interest rate on the "Happy interest" deposit will depend directly on the amount of the deposit and the term for which it opens.
Dividends are accrued at the end of the term.There is no capitalization, but with such interest rates and short terms it is not relevant. The accrued profit can be withdrawn by the depositor or transferred to the specified settlement account. If the individual wants to close the deposit ahead of schedule, the accrued dividends for the actual period will be calculated at the rate "on demand".
Timing | Amount (RUB) | Interest rates% |
6 months | from 100 to 500 thousand | 9,8 |
from 500 thousand | 10,0 | |
9 months | from 100 to 500 thousand | 9,9 |
from 500 thousand | 10,1 |
In order to open Sberbank of Russia deposit "Happy interest", you must provide the following package of documents:
At its discretion, the bank may requestadditional documents. If all the terms of the depositor's deposit are satisfied, then there are several options how to open the deposit "Happy interest". Sberbank, whose reviews speak of its good reputation, offers either to visit any convenient office, or use the Sberbank-online service.
To open a deposit in the bank's office, you need:
If the depositor has any Sberbank card, thenyou can try to remotely open the "Happy interest" deposit. Sberbank, whose reviews it is better to read before the transaction, offers to use Internet banking Sberbank-online. There is nothing complicated, just follow the prompts of the service itself. It's enough just to go to the "Deposits and accounts" tab and after a few clicks of the buttons to deposit the required amount into the account.
In Sberbank, as in any other financial institution, there is a system deposit insurance. Thanks to her, the bank can recover the entire amountdeposited in case of force majeure. According to the rules, a financial institution cannot pay more than 700 thousand rubles at a time. But it is not worth worrying about those depositors who have more than this amount on deposits. Just cash paid in parts.
Thanks to the deposit insurance service you caninsure and deposit "Happy Interest" (Sberbank). You can read reviews about this contribution on the official website of the bank, as well as on third-party resources. What is most interesting is that you don’t have to pay for deposit insurance. The bank itself pays for this service. In the event of bankruptcy, withdrawal of a license or moratorium on further work, the organization must pay up to 100% of the invested funds. In addition, this and other deposits of Sberbank can be inherited.
In essence, deposits are one ofcomponents of the existence of banks. The money that depositors leave in the bank, financial organization puts into circulation. Accordingly, interest is paid for it. And the higher the deposit amount, the higher the interest rate on the deposit. That is why Sberbank and other banks care about the safety of deposits.
According to the depositors of Sberbank, the deposit"Happy interest" was very profitable and profitable. Despite the fact that the minimum contribution is 100 thousand rubles (not everyone has such a sum, especially for a deposit), many have decided to open a deposit with such conditions. If you look objectively, then a good contribution and the percentage will be accrued decent. Due to the appearance of such a deposit, the bank’s customers note that their money brings real income. In addition, you do not need to worry about the safety of their savings, because Sberbank has already thought about everything.
